Chargeback Reason Code Lookup

Updated August 28, 2026 · 67 codes across four networks

Find the reason code from your chargeback notice below. Each code links to a plain-English guide: what the cardholder's bank is claiming, the evidence your response needs, your deadline, and an honest read on whether it's winnable. For the full process, start with how to respond to a chargeback.

Visa reason codes

Code	Title	Family
10.1	EMV Liability Shift – Counterfeit	fraud
10.2	EMV Liability Shift – Non-Counterfeit	fraud
10.3	Other Fraud – Card-Present	fraud
10.4	Other Fraud – Card-Absent	fraud
10.5	Visa Fraud Monitoring Program	fraud
11.1	Card Recovery Bulletin	authorization
11.2	Declined Authorization	authorization
11.3	No Authorization	authorization
12.1	Late Presentment	processing-error
12.2	Incorrect Transaction Code	processing-error
12.3	Incorrect Currency	processing-error
12.4	Incorrect Account Number	processing-error
12.5	Incorrect Amount	processing-error
12.6	Duplicate Processing	processing-error
12.7	Invalid Data	processing-error
13.1	Merchandise/Services Not Received	consumer-dispute
13.2	Cancelled Recurring Transaction	consumer-dispute
13.3	Not as Described or Defective	consumer-dispute
13.4	Counterfeit Merchandise	consumer-dispute
13.5	Misrepresentation	consumer-dispute
13.6	Credit Not Processed	consumer-dispute
13.7	Cancelled Merchandise/Services	consumer-dispute
13.8	Original Credit Transaction Not Accepted	consumer-dispute
13.9	Non-Receipt of Cash from ATM	consumer-dispute

Mastercard reason codes

Code	Title	Family
4807	Warning Bulletin File	authorization
4808	Authorization-Related Chargeback	authorization
4812	Account Number Not On File	authorization
4831	Transaction Amount Differs	processing-error
4834	Duplicate Processing	processing-error
4837	No Cardholder Authorization	fraud
4840	Fraudulent Processing of Transactions	fraud
4841	Cancelled Recurring Transaction	consumer-dispute
4853	Cardholder Dispute – Defective/Not as Described	consumer-dispute
4855	Goods or Services Not Provided	consumer-dispute
4859	Addendum/No-Show/ATM Dispute	consumer-dispute
4860	Credit Not Processed	consumer-dispute
4863	Cardholder Does Not Recognize	fraud
4870	Chip Liability Shift	fraud
4871	Chip/PIN Liability Shift	fraud

American Express reason codes

Code	Title	Family
C02	Credit Not Processed	consumer-dispute
C04	Goods/Services Returned or Refused	consumer-dispute
C05	Goods/Services Cancelled	consumer-dispute
C08	Goods/Services Not Received	consumer-dispute
C14	Paid by Other Means	consumer-dispute
C18	Cancelled Recurring Billing	consumer-dispute
C28	Cancelled Membership/Subscription	consumer-dispute
C31	Goods/Services Not as Described	consumer-dispute
C32	Goods/Services Damaged or Defective	consumer-dispute
F10	Missing Imprint	fraud
F14	Missing Signature	fraud
F24	No Cardholder Authorization	fraud
F29	Card Not Present	fraud
P01	Unassigned Account Number	processing-error
P03	Credit Processed as Charge	processing-error
P04	Duplicate Charge	processing-error
P05	Incorrect Charge Amount	processing-error

Discover reason codes

Code	Title	Family
AA	Cardholder Does Not Recognize	fraud
AP	Cancelled Recurring Transaction	consumer-dispute
AT	Authorization Non-Compliance	authorization
DA	Declined Authorization	authorization
EX	Expired Card	authorization
LP	Late Presentment	processing-error
NA	No Authorization	authorization
NC	Not a Chip Transaction – Loss/Stolen	fraud
RG	Non-Receipt of Goods/Services	consumer-dispute
RM	Quality Discrepancy	consumer-dispute
RN2	Credit Not Processed	consumer-dispute

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